It’s important to know your policy coverages and know the quality of coverage that you have as well as your policy deductible(s). If your insurance agent hasn’t reviewed your property policy coverages with you and explained the different deductible options, he or she hasn’t done their job. Unfortunately, most people usually find out that they’re insufficiently covered or not covered at all after sustaining a loss, when its too late to add a certain coverage or endorsement. It’s very important to know the basics beforehand to prevent such occurrences. Insurance policies vary greatly in amount of coverage and quality of coverage; Phoenix Public Adjusting strongly recommends that property owners understand their coverages and how each one applies to their loss. Most people never claim certain losses or damages simply because they didn’t know they were covered. The insurance company isn’t going to volunteer to compensate you for things you didn’t inquire about or request…even if you’re entitled to it! Insurance companies are going to give you the least amount of compensation that they can get away with and will prey on your ignorance and assumptions of policy coverages. A good way to find out about your insurance companies attitude towards certain claims is to ask your local public adjuster, they deal with most insurance companies and claims on a regular basis and have a much better idea of who the best carriers are to have during a loss than your insurance agent or broker.